Credit union · NCUA insured
Alpena Credit Union
A $35.5M credit union headquartered in Alpena, MI, with 2,254 members and 1 branch in Michigan. Best rates: CDs 2.78% and savings 1.26% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—2.78%CD rates →
- Savings861.76%at $100,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Alpena Credit Union
Open since 1952, Alpena Community Credit Union is member-owned and provides banking services to more than 2,200 members.
- Headquarters
- 710 W Miller St, Alpena, MI 49707-1875
- NCUA charter
- 62264
Branches
1 branch in Michigan
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Michigan
1 branch
- Alpena Community Credit Union Main OfficeMain office710 W Miller St, Alpena, MI 49707Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.04% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.21% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.38% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $52 | $59 | — |
- CapitalNet worth ratio14.04%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.21%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.38%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$52Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Alpena Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.